BlastPoint's Credit Union Scorecard

ROCKET

Charter #9799 · TX

2596 CUs in <100M nationally 245 in TX

ROCKET faces 3 concerns requiring attention

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.61% below tier average
- Efficiency ratio 18.78% above tier (higher cost structure)
- Member decline: -4.9% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	3,005 -4.9% YoY-1.0% QoQ	+379	2,625 -2.2% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	67%
Assets	$29.7M -3.5% YoY+0.3% QoQ	$-182K	$29.9M +1.1% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	60%
Loans	$21.6M -4.8% YoY-2.2% QoQ	+$5.8M	$15.8M -2.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	72%
Deposits	$26.3M -1.7% YoY+1.3% QoQ	+$805K	$25.5M +0.4% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	61%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -399.7% YoY+407.7% QoQ	-0.6%	0.7% -731.4% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	19%
NIM	3.9% +7.0% YoY+7.5% QoQ	-0.0%	3.9% +3.8% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	50%
Efficiency Ratio	100.2% -3.0% YoY-2.2% QoQ	+18.8%	81.4% -2.4% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	Top 10.7% in tier
Delinquency Rate	1.5% -29.0% YoY+85.1% QoQ	-0.1	1.5% -2.0% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	72%
Loan To Share	82.2% -3.1% YoY-3.4% QoQ	+21.0%	61.2% -3.0% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	80%
AMR	$15,926 +1.9% YoY+0.7% QoQ	+$1K	$14,627 -2.7% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	62%
CD Concentration	15.1% -6.1% YoY-3.8% QoQ	-9.3%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	1.6% -8.1% QoQ	-12.4%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (2 metrics)

509

Loan-to-Share Ratio

balance_sheet

Value: 82.25%

Peer Avg: -

#509 of 2596 Top 19.6% in <100M tier

638

Loan-to-Member Ratio (LMR)

engagement

Value: $7,187

Peer Avg: -

#638 of 2596 Top 24.5% in <100M tier

Top Weaknesses (7 metrics)

2318

Efficiency Ratio

profitability

Value: 100.17%

Peer Avg: -

#2318 of 2596 Bottom 10.7% in <100M tier

2246

Indirect Auto Concentration (%)

balance_sheet

Value: 1.60%

Peer Avg: -

#2246 of 2596 Bottom 13.5% in <100M tier

2220

First Mortgage Concentration (%)

balance_sheet

Value: 37.28%

Peer Avg: -

#2220 of 2596 Bottom 14.5% in <100M tier

2216

Net Worth Ratio

risk

Value: 9.71%

Peer Avg: -

#2216 of 2596 Bottom 14.7% in <100M tier

2148

Member Growth Rate

growth

Value: -4.91%

Peer Avg: -

#2148 of 2596 Bottom 17.3% in <100M tier

2112

Return on Assets (ROA)

profitability

Value: 0.08%

Peer Avg: -

#2112 of 2596 Bottom 18.7% in <100M tier

2084

Asset Growth Rate

growth

Value: -3.47%

Peer Avg: -

#2084 of 2596 Bottom 19.8% in <100M tier